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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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Capital One Quicksilver Cash Rewards for Good Credit Review

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
2.5
Capital One Quicksilver Cash Rewards for Good Credit
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Cash Back Details
No rotating categories or sign-ups needed to earn cash rewards
APR
29.99% (Variable) on purchases and balance transfers
Editorial Note: shortenedCCEditorialNote
Citi is an advertising partner.

Our take: If you have good credit, the Capital One Quicksilver Cash Rewards for Good Credit is a decent choice, thanks to its solid cash back rate and $0 annual fee.

Pros and cons

  • Elevated cash back rewards on every purchase
  • May accept applicants with less than perfect credit
  • $0 annual fee
  • Foreign transaction fees: none
  • High interest rate
  • No sign-up bonus

Is the Capital One Quicksilver Cash Rewards for Good Credit worth it?

If your credit isn’t quite good enough to qualify for Capital One’s flagship Capital One Quicksilver Cash Rewards Credit Card, the Capital One Quicksilver Cash Rewards for Good Credit is a great alternative.

Although it’s slightly stripped down from its ‘excellent credit’ counterpart, it lets you earn the same cash back rate. You’ll get 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

Just know, unlike the “excellent credit” version of the card, this one doesn’t offer a sign-up bonus or an intro APR on purchases or balance transfers.

We’ll explain the pros and cons of the Capital One Quicksilver Cash Rewards for Good Credit card, and show how it compares to similar cash back cards to help you decide which is the best fit for you.

Quick facts

    • Earn unlimited 1.5% cash back on every purchase, every day
    • $0 annual fee and no foreign transaction fees
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • No rotating categories or sign-ups needed to earn cash rewards
    • Cash back won't expire for the life of the account and there's no limit to how much you can earn
    • $0 Fraud Liability for unauthorized charges
    • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720
    Good
  • Concierge service to assist with dining, entertainment, and travel
  • Extended warranty
  • Travel accident insurance
  • 24-hour travel assistance services
  • Instant purchase notifications

Intro Purchase APR

N/A

Regular Purchase APR

29.99% (Variable)

Intro BT APR

N/A

Regular BT APR

29.99% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Foreign Transaction Fee

None

Balance Transfer Fee

Balance Transfer Fee applies to balances transferred at a promotional rate

*To see rates & fees for Capital One Quicksilver Cash Rewards for Good Credit, please click here.

What we like about the Capital One Quicksilver Cash Rewards for Good Credit

  • Elevated cash back on every purchase

    The Capital One Quicksilver Cash Rewards for Good Credit gets you 1.5% cash back on every purchase, every day; 5% cash back on hotels and rental cars booked through capital one travel (terms apply). While this is a good cash back rate to earn on general purchases, there are flat-rate cash back cards available that offer as much as 2% back on every purchase.

  • May accept applicants with less-than-perfect credit

    You may be able to qualify for this card with good credit. Capital One describes “good credit” as including those who haven’t declared bankruptcy on a loan in the last five years and haven’t been more than 30 days late on any payment in the past year.

    According to FICO, a “good credit” score ranges from 670 to 739.

  • There's no annual fee

    This card charges a $0 annual fee. This means all the rewards you earn on this card are net cash back — unless you incur other fees or interest charges.

    *To see rates & fees for Capital One Quicksilver Cash Rewards for Good Credit, please click here.

  • No foreign transaction fees

    While some credit cards charge foreign transaction fees of 3% each time you make a purchase outside of the U.S., the Capital One Quicksilver Cash Rewards for Good Credit does not. So it’s an ideal choice to take along if you’re planning a trip abroad.

    *To see rates & fees for Capital One Quicksilver Cash Rewards for Good Credit, please click here.

What to watch out for with the Capital One Quicksilver Cash Rewards for Good Credit

  • High APR

    The Capital One Quicksilver Cash Rewards for Good Credit has a 29.99% (variable) APR, which is one of the highest we’ve come across. To avoid paying this expensive interest rate, it’s best to pay your balance in full every month.

    *To see rates & fees for Capital One Quicksilver Cash Rewards for Good Credit, please click here.
  • No sign-up bonus

    Although this card comes with a solid cash back rate on every purchase, it doesn’t offer a sign-up bonus. By contrast, the Capital One Quicksilver Cash Rewards Credit Card lets you earn a earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Alternate cash back credit cards

Capital One Quicksilver Cash Rewards for Good Credit vs. Wells Fargo Active Cash® Card

| Disclosures
Wells Fargo Active Cash® Card*
Wells Fargo Active Cash® Card
0% intro APR for 12 months from account opening
19.49%, 24.49%, or 29.49% Variable APR
$0
Earn unlimited 2% cash rewards on purchases
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
660 720 850
Good / Excellent
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you want to earn a higher flat cash back rate from a card that accepts excellent/good credit, the Wells Fargo Active Cash® Card is a great option. The card lets you earn unlimited 2% cash rewards on purchases. Plus, earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. That’s a low amount to spend to earn a valuable sign-up bonus.

The Wells Fargo Active Cash® Card also lets you carry a balance from month to month without incurring interest charges for more than a year. You’ll get a 0% intro APR for 12 months from account opening on purchases, and a 19.49%, 24.49%, or 29.49% Variable APR thereafter. There’s also an intro APR on balance transfers available for the same length of time.

Just know, this card charges foreign transaction fees. So it’s not an ideal card to take along on a trip overseas.

Capital One Quicksilver Cash Rewards for Good Credit vs. Discover it® Cash Back

| Disclosures
Discover it® Cash Back*
Discover it<sup>®</sup> Cash Back
Learn More
0% Intro APR for 15 months
18.74% - 27.74% Variable APR
$0
5% cash back at different places each quarter up to the quarterly
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
660 720 850
Good / Excellent
*The information related to the Discover it® Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you don’t mind keeping track of categories that rotate quarterly, you can earn an even higher cash back rate on everyday spending with the Discover it® Cash Back. The $0-annual-fee card gets you 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.

And there’s a unique sign-up bonus for new card members: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Similar to the Wells Fargo Active Cash® Card, this card offers an intro APR on purchases and balance transfers for more than a year. After that, a very reasonable 18.74% - 27.74% Variable APR applies. There’s also a $0 annual fee, and as for foreign transaction fees — there are none.

Capital One Quicksilver Cash Rewards for Good Credit vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
18.49% - 28.49% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair / Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Citi Double Cash® Card accepts applicants with fair / good / excellent credit and offers a generous flat cash back rate and sign-up bonus. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

But while this card provides a longer intro APR on balance transfers than the Wells Fargo Active Cash® Card and the Discover it® Cash Back, it doesn’t offer an interest-free period on purchases. Also, you’ll be subject to foreign transaction fees if you use the card to make purchases outside of the U.S.

Is the Capital One Quicksilver Cash Rewards for Good Credit right for you?

The Capital One Quicksilver Cash Rewards for Good Credit lets you earn a competitive cash back rate as you work toward an even better credit score through responsible usage.

But if your credit isn’t quite good enough to qualify for that card, you may want to consider the lower-tiered Capital One QuicksilverOne Cash Rewards Credit Card. Just know that while the card offers the same cash back rate as the Capital One Quicksilver Cash Rewards for Good Credit, it also charges a $39 annual fee.

*To see rates & fees for Capital One QuicksilverOne Cash Rewards Credit Card, please click here.
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.

The information related to the Wells Fargo Active Cash® Card and Discover it® Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.